Payday loans in Oregon
Census ACS 2020–2024 5-year estimates; NCUA June 2026 call report; FDIC BankFind, Oct 2026.
Oregon payday loan rules at a glance
| Governing law | A person may not act as a payday or title lender without a license under ORS 725A. A payday loan made without a license is void. (ORS 725A.020) |
|---|---|
| Fees / interest cap | Interest may not exceed 36% a year. A one-time origination fee is also allowed: $10 per $100 borrowed or $30, whichever is less, once for the life of the loan including renewals. No other fees are allowed except listed ones such as the database fee and a returned-payment fee. (ORS 725A.064(1), (2), (4)) |
| Minimum term | At least 31 days. (ORS 725A.064(3)) |
| Maximum term | A payday loan has a term of no more than 60 days. The Division states payday and title loans must be no longer than 60 days. (ORS 725A.010 (definition of 'payday loan')) |
| Rollovers / renewals | No more than two renewals. After two renewals, the loan must be repaid in full. (ORS 725A.064(6)) |
| Cooling-off period | A lender may not make you a new payday loan within 7 days after you fully repay a previous one. (ORS 725A.064(7)) |
| Loans at one time / database | Lenders must use a state loan tracking system, and may charge you only what the system's vendor charges them. (ORS 725A.060(1)(c)(A); ORS 725A.090) |
| Returned-payment fee | One returned-payment fee per loan, no more than $20, plus any fee an unaffiliated bank actually charges the lender. The lender may not seek statutory bad-check damages or attorney fees under ORS 30.701. (ORS 725A.060(1)(c)(B), (d)) |
What a $500 payday loan costs in Oregon
Oregon caps the fee at $10 per $100, so on a $500 loan the most a licensed lender can charge is $50 and you repay $550 on your due date.
How much will I repay?
Oregon caps the fee at $10 per $100 (state law).
Estimate only. Your lender shows your exact cost before you sign.
Compare neighboring states
Lenders must follow the law of the state where you live, not where you visit.
| State | Status | Max loan |
|---|---|---|
| California | Legal | Your personal check cannot exceed $300. |
| Idaho | Legal | $1,000 per loan, and no more than $1,000 in total outstanding with one lender (plus fees). |
| Nevada | Legal | A payday loan, together with the borrower's other outstanding loans from the lender, may not exceed 25% of the… |
| Washington | Legal | $700 or 30% of your gross monthly income, whichever is lower. |
Payday Loans by city in Oregon
Counties in Oregon
Show all 36 counties
Also see: Personal Loans in Oregon · Title Loans in Oregon · All Oregon loan options
Frequently asked questions
Are payday loans legal in Oregon?
Payday loans are legal in Oregon from lenders licensed by the Division of Financial Regulation under ORS chapter 725A. Interest is capped at 36% a year plus a one-time origination fee, and every payday loan must run 31 to 60 days.
How much do payday loans cost in Oregon?
Interest may not exceed 36% a year. A one-time origination fee is also allowed: $10 per $100 borrowed or $30, whichever is less, once for the life of the loan including renewals. No other fees are allowed except listed ones such as the database fee and a returned-payment fee.
How many payday loans can you have at once in Oregon?
Lenders must use a state loan tracking system, and may charge you only what the system's vendor charges them.
Can you roll over a payday loan in Oregon?
No more than two renewals. After two renewals, the loan must be repaid in full.
How much does a payday loan cost in Oregon?
Interest may not exceed 36% a year. Your lender shows the exact fee, total amount to repay, due date and APR before you sign, so you know the full cost upfront. There's no charge to use our form, and you're never obligated to accept an offer. Compare what lenders offer Oregon borrowers in about 3 minutes.
Can I get a payday loan on the weekend in Oregon?
You can submit our online form any time, including nights and weekends, and some lenders review requests right away. Funding depends on banking days, though, so money requested on a Saturday or Sunday typically arrives the next business day. Submitting early helps you get in line for the first available deposit. Oregon residents can start a request now; it takes about 3 minutes.
Can I get a payday loan online in Oregon?
Yes. You can request a payday loan online from anywhere in Oregon, using your phone or computer. Our secure form takes about 3 minutes and connects you with lenders in our network that serve Oregon residents. If you're approved, funds go straight to your checking account, often by the next business day. There's no cost to apply and no obligation to accept.
Do payday loans in Oregon affect your credit score?
Usually only a little, if at all. Because many payday lenders don't use a traditional hard credit pull and often don't report to the major bureaus, a payday loan repaid on time typically has little effect on your score. A balance that goes unpaid and reaches collections could hurt it, so borrow an amount you can repay on your due date. Oregon residents can see their options with our 3-minute form.